| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITYHEALTH | $12K | — | $12K | 1.98% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $7K | $22K | 8.88% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES, LLC | 1200 EAST TAFT AVENUE SAPULA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 34.54% |
| TERESA WEST3 | 8833 PERIMETER PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $895 | — | $895 | 8.57% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $748 | — | $748 | 7.16% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 89 MONROE CENTER NW GRAND RAPIDS, MI 49503 | EYEMED | $609 | — | $609 | 8.91% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITYHEALTH | 225 | $613K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $243K |
| Vision | EYEMED | 139 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $243K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $243K |
| Prescription drug | PRIORITYHEALTH | 225 | $613K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.